The Differences Between Social Security Disability ("SSDI") and Supplemental Security Income ("SSI") benefits

If you thought SSDI and SSI were the same Social Security programs, you are not alone. Frequently, our clients use the terms interchangeably, but in fact, each program is quite different. Both programs are administered by the Social Security Administration. They also both require that an individual prove that he/she is unable to work due to a physical or mental impairment(s), or a combination of impairments, for 365 days or more to establish entitlement. If you are granted either one of these benefits, you receive health insurance and cash benefits. However, that is where the similarities end between these two programs. Below is a description of each program and its unique features to help you understand the fundamental differences between the two entitlement packages.

Social Security Disability benefits

Often referred to as SSDI or Title II benefits, Social Security Disability benefits are calculated based on what you have paid into the Social Security system. You must have worked a sufficient amount of “quarters” to be entitled to these benefits. There is a 5 month waiting period from the onset date of disability that must toll before you are entitled to these benefits. After you have been found disabled for a full 24 months on a Title II application, you will also receive Medicare benefits. The maximum amount of retroactive benefits you can receive in regards to a Title II claim, is one year prior to the initial application date.

 Supplemental Security Income                        

Often referred to as  SSI or Title XVI benefits, the Supplemental Security Income program is designed to operate as a “needs based” program. To qualify, your countable resources cannot exceed more than $2000 as an individual and $3000 as a couple. Owning one automobile, one house, and one wedding ring will not disqualify you from this program. The Federal payment amount is $710 for an eligible individual and $ 1066 for an eligible couple for the year 2013. There is no waiting period for Supplemental Security Income as is required for Social Security Disability benefits. Supplemental Security Income eligibility also entitles you to Medi-Cal in the state of California, sometimes referred to as Medicaid in other states. The earliest benefits can begin in a Title XVI case is from the date of application.

For more information on SSDI and SSI benefits, visit our webpage at http://www.westcoastdisability.com/Practice-Areas/

Got a question that you need answered? Please check out our website at www.westcoastdisability.com . We try to provide you with valuable information on our website that may help you navigate the Social Security Disability process. Also, feel free to shoot us an email at info@westcoastdisability.com or call us at (800) 459-3017.